Question Have anyone's scores dropped this year?

[JamesR82]

I noticed that my overall credit scores are down from last year even though I have been paying things on time and have been good with everything. I have not had to pause for a month or two like millions out there have. I am not sure why my scores have dropped. Can this be because of everyone else? I never heard of such a thing so I am confused.

 

[Andrew]

The biggest "reason" I've seen is because one's credit utilization ratio increased due to the addition of a new credit card or something like that. But again, this has always been an increase in the usage of existing cards. But here are some cases where a score dropped without a change in fiscal behavior.